Med Pay, or medical payments insurance, is a type of coverage available from most North Carolina auto insurers. If you have Med Pay coverage, it will help pay your medical expenses and those of any passengers in your vehicle in the case of an auto accident, no matter who is at fault.
If you are not at fault in the accident, then you may be compensated by the responsible party as well, which compensation includes medical bills, pain, suffering, and lost wages. In North Carolina, you can still claim your Med Pay insurance after being compensated by the person at fault.
If you are injured while riding in a vehicle covered by Med Pay, you might be eligible to collect from that insurance policy. If the vehicle is owned by someone who does not have Med Pay coverage, then you may collect on your own policy.
Should You Have Med Pay Coverage? How Much?
While Med Pay is not mandatory, it is worthwhile coverage to include in your auto insurance policy. If you are a business owner, Med Pay should definitely be part of your policy, because it protects your employees as well.
You may have Med Pay insurance and not realize it. Most North Carolina auto insurance policies include Med Pay coverage. If you are not sure, contact your insurance agent to find out.
It is also important to consider how much Med Pay your policy will cover in the event of an accident. Many policies cover up to only $1,000, $2,000 or $5,000 per person. Additional Med Pay coverage is reasonably priced, and the costs of medical care can be considerable. We recommend that you purchase at least $25,000 of Med Pay coverage.
Kelly & West routinely handle Med Pay insurance claims for our clients. We even negotiate with multiple insurance policyholders. If you or someone else you care for has been injured in an auto-related accident, contact us right away, especially if you are unsure if you have Med Pay coverage. There can be complications when making claims with insurance companies, so let the professional personal injury attorneys at Kelly & West do the hard work.
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